Compare business credit cards for startups

Many business credit cards offer helpful benefits for startups.

Last updated:

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Running a startup is never easy. You’re juggling multiple priorities at any given moment — including, of course, your company’s finances.

A business credit card can be your best friend for covering last minutes expenses. There are lots of choices catering to startups, so compare the annual fees, benefits and rewards to find the best card for your startup.

Our pick for startups

American Express® Blue Business Cash Card

  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power§.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the card, your payment history, credit record, financial resources known to us and other factors.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.99%, 17.99%, or 20.99%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No annual fee
  • Terms apply
Read less
Read more
See Rates & Fees
Promoted

Compare business cards for startups

Updated October 16th, 2019
Name Product Rewards Purchase APR Annual fee
2% cash back on all purchases on up to $50,000 per calendar year, then 1%
0% intro for the first 12 months (then 14.99% to 20.99% variable)
$0
Earn 2% cash back on all purchases on up to $50,000 per calendar year, then 1%. Rates & fees
2x points on everyday business purchases on up to $50,000 annually, then 1x points
0% intro for the first 12 months (then 14.99% to 20.99% variable)
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
17.99% to 22.99% variable
$95
100,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network
29.24% variable
Up to $120
Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.
2x miles on Delta purchases and 1x miles on all other purchases
17.49% to 26.49% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 miles after spending $1,000 in the first 3 months plus $50 after making a direct Delta purchase in the same timeframe. Rates & fees

Compare up to 4 providers

Best business credit cards for startups

There are many business cards on the market, but it’s likely only a few offer benefits that meet your specific needs. Here are a few of our top picks.

Jump to …

Best for travel: Ink Business Preferred℠ Credit Card

This is one of your best choices if you travel often. You’ll earn accelerated points on travel and other business categories. And when you redeem points through Chase Ultimate Rewards, they’re worth 25% more.

Best for intro APR: The Blue Business® Plus Credit Card from American Express

If you need to take on interest-free debt for longer than a month, you’ll want a card with a strong intro APR. The Blue Business® Plus Credit Card from American Express is one of your top options, offering a long zero-interest promotion (see rates & fees) compared to similar business cards.

Best for average credit: Capital One® Spark® Classic for Business

When you’re bootstrapping your startup, you might not have the best credit, from running up high balances or taking out loans. When other cards might be out of reach, the Capital One® Spark® Classic for Business may be a viable option.

Best for limiting debt: American Express® Business Gold Card

If you’re worried about running up high balances on your card, you can keep yourself in check with the American Express® Business Gold Card. That’s because it’s a charge card, meaning you must pay off your balance each month unless you opt to use the Pay Over Time feature. Luckily, it’s also a strong rewards card, which can balance the steep annual fee (see rates & fees).

Best for flat cash back: Capital One® Spark® Cash for Business

If your expenses spread through many categories, like office supplies, travel and shipping costs, a flat-rate rewards card like the Capital One® Spark® Cash for Business might help. It offers unlimited 2% cash back on all purchases.If you don’t want to pay an annual fee, try the Capital One® Spark® Cash Select for Business. And if you want flat travel rewards, try the Capital One® Spark® Miles for Business or Capital One® Spark® Miles Select for Business.

How we selected our top cards

We measured a few different factors when comparing available credit cards for startup businesses, including credit score requirements, introductory APRs, reward programs, points or cash back earned per dollar, reward earning categories signup bonuses and other added perks particularly beneficial to startups. The cards we highlighted demonstrated exemplary performance in one or more of these categories.

What’s changed in 2019

Our list stood unchanged this year, with each card maintaining strong performance and remaining one of the top picks in their respective categories. While the The Blue Business® Plus Credit Card from American Express no longer has the longest intro APR available, it still remains a terrific choice and maintained its position on our list.

How to compare business credit cards for startups

  • Annual fee. When cash is tight, you might not want the expense of an annual fee. There are solid no-annual-fee business cards, though you’ll earn more powerful rewards with cards you have to pay for.
  • Signup bonus. If you anticipate heavy purchases in the next few months, you could breeze past the spending requirement for a card’s signup bonus. Business credit cards often have more impressive bonuses than personal cards.
  • Intro APR. This could be the answer if you’ll rack up debt soon but need several months to pay it off. Intro APRs for business cards tend to top off at around 15 months.
  • Rewards. A card with strong rewards can pay for itself. If your card has tiered rewards, check that your startup has significant expenses in the right categories. If your expenses are spread evenly throughout many categories, you might get more out of a flat-rewards card.

Bottom line

Your startup faces unique challenges, which some cards can address more effectively than others. Business cards are tailor made to help you overcome challenges related to your business. Compare options that give your rewards, balance transfers and an annual fee you can afford.

If you’d like to compare more products, visit our guide on business credit cards.

Frequently asked questions

Disclaimer

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Rates and fees

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site